Look at what happening around. The first cryptocurrency bitcoin was invented to reduce the hassle of third party and have borderless transaction. Isn't it true? Now, look at what happening. People are more into investing it than using it as currency.
Most interesting is people are most interested in coin which give more ROI, they are not interested in the currency-ish of a currency.
For example, some people are talking a lot about BSV, but if they have some research, they will never take it as currency, but as this is giving a good return now, it's best for them. Why man? Why don't we look into a decentralized coin? Why do we only take it as investment? Did Satoshi ever take it as investment? Or he invented Bitcoin for borderless payment and solution to the intermediaries problem?
I really think it will in due time, not now of course but it will come a time. We just need some massive adoption which would not happen now given the different market situation in every country. But it would still be great to see it happening.
I agree with you. In general, Fiat is an irreplaceable option in this world, and it is certain that no one will use crypto to pay because the value of the coins in this market is very volatile. I think people prefer to use cash or use credit cards to pay because it is a lot faster. In addition, many large countries around the world have not yet legalized this market, so in general, the crypto market is still not comparable with other potential markets.